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Copyright |
 The materials on the familyofbanks.com web site, including copyrighted material,
service marks, trademarks and trade names, pictures,
graphics, ideas, and code (HTML, JavaScript, and the like)
are owned by The Family of Banks. Copying, reproducing,
transmitting or republishing any materials whatsoever from
this web site is prohibited, except that you may download
the material and print a reference copy for your own
personal, non-commercial use – excluding all code. If you
download or print a copy of the familyofbanks.com materials,
you must not remove our copyright, trademark or other legal
notices from the copy you make. Any other modification or
use of the materials on this web site violates The Family of
Banks' proprietary rights in the materials unless you first
obtain our written consent. This web site is controlled and
operated by The Family of Banks from offices located in the
state of Montana, United States of America.
THE
DATA CONTAINED IN THIS SITE IS PROVIDED ON AN "AS IS" BASIS
FOR INFORMATIONAL PURPOSES ONLY, AND WITHOUT WARRANTIES OF
ANY KIND.
THE FAMILY OF BANKS DISCLAIMS ALL SUCH WARRANTIES,
EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO
IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A
PARTICULAR PURPOSE.
Your
use of any portion of The Family of Banks' mobile web site
is subject
to the following terms and conditions.
Governing law. You agree that your use of
the Family of Banks' web site is governed by the laws of the State of
Montana
and any applicable federal United States laws. For
individual products and services offered by the Family of
Banks, the applicable customer agreements and disclosures may
specify that the laws of another jurisdiction will govern
your use of the account and/or service, and the terms of
those disclosures and agreements will continue to apply.
Copyright and trademark information. The trademarks, trade
names, and service marks (the "Marks") used on the
Family of Banks' web site belong to the Family of Banks or to various
other parties. No one is authorized to use any of the Marks
in any manner without the prior express written permission
of the owner of the Mark. The materials displayed on the
Family of Banks' web site are protected by U.S. and international
copyright law and treaties, and shall not be transmitted,
broadcast, copied, adapted, displayed, or performed without
the prior express permission of Bank of the West. See
copyright notice above for further
information.
Limitations. None of the information on
the Family of Banks' web site may be used, distributed, or reproduced for
commercial purposes without our prior express written
permission. No third party is authorized to solicit the
Family of Banks' products or services without the Family of
Banks'
prior express written permission. There are various
restrictions, limitations, and costs associated with the
Family of Banks' products and services, which are disclosed in the
applicable customer agreements and continue to apply
regardless of any information provided in our web site. Not
all products and services described are available in all
geographic areas.
No warranties. From time to time
the Family of Banks' web site
may include information from third parties, and/or links to
other web sites. The Family of Banks does not make any
warranties, express or implied, regarding any third party
information or any links to other web sites, and the Family
of Banks assumes no responsibility for the accuracy,
completeness, reliability or suitability of the information
provided by third parties or information, software (if any),
offers or activity found on other web sites which may be
linked to our web site.
Limitation of liability.
The Family of Banks disclaims
liability for any and all claims, losses, costs, expenses
(including attorneys' fees), and damages of whatever kind or
nature including without limitation general, special,
incidental, consequential, punitive, exemplary or treble
damages ("Damages") based on any theory of liability, in
connection with any use of the Family of Banks' web site and
the information contained therein, even if the Family of
Banks
has been advised of the possibility of such Damages.
Changes. The Family of
Banks reserves the right to change these
terms and conditions, or the content of any portion of our
web site at any time without notice. Your continued access
of the Family of Banks' web site will be subject to the terms
and conditions in effect at the time you access our web
site.
We
do not disclose any nonpublic personal information about our
customers or former customers to anyone, except as permitted
by law.
The following document further explains our policies and
practices about Customer Privacy. This policy applies to all
of our locations: Bitterroot Valley Bank, Clark Fork Valley
Bank, Mullan Trail Banks and Two Rivers Bank.
Customer’s Right to Privacy
We expect our customers to trust us with personal
information. In order to earn and keep that trust, we know
that we need to keep this information confidential and
private. We respect your privacy and will take all
reasonable steps to protect that privacy.
Collection and Retention of Customer Information
The information we collect and retain about our customers is
strictly limited to business purposes. We need to have
certain information to provide and administer financial
services to our customers. The nonpublic personal
information we collect about you comes from the following
sources:
Information we receive from you on an application or other
bank forms;
Information about your transactions with us, or others;
Information from public records;
Information necessary to comply with State and Federal
Regulations;
Information to assist us with improving products and
services; and
Information we receive from consumer-reporting agencies.
We will be happy to explain our collection and retention
requirements upon request.
Use of Information
We do not provide or sell information about our customers to
outside organizations for marketing or other non-banking
related activities.
All use of your non-public personal information is tied to a
business purpose directly related to your banking
relationship with the Family of Banks. In limited
situations, we may disclose certain information about your
account. For example:
Upon request by you, our customer;
If the information is necessary to complete your transaction(s);
To comply with State or Federal laws, regulations, or
court orders;
To an account verification service, in addition to a
credit reporting agency, if we close your account due to
unsatisfactory handling, fraud, attempted fraud or criminal
activity;
In response to an inquiry about sufficient funds to cover
a check you have written;
To other companies, financial institutions, and networks
which may be involved in processing your transactions
(including transactions with your ATM or Debit card);
To local, state, and federal authorities, if we believe a
crime may have been committed involving your account; or
To reply to a request from agents of the Bank (including
auditors, examiners, and attorneys).
Maintaining Accuracy of Customer Information
We actively pursue keeping our customers information
accurate and up to date. You are encouraged to contact one
of our branches if you, our customer, believe the bank has
incorrect or incomplete information. Upon notification, we
will investigate and make any necessary corrections.
Employee Access to Customer Information
At the Family of Banks, we maintain physical, electronic,
and procedural safeguards that comply with federal standards
to guard your non-public personal information. All employees
are instructed to maintain our Privacy Standards. Employee
training explains the importance of confidentiality in all
customer interactions. Any employee found to be violating
the Privacy Policy of the bank will be subject to
disciplinary action.
Confidentiality in Business Relationships
Occasionally, we contract with a third party to assist us in
servicing our customers. If these organizations are exposed
to any confidential information, we require them to adhere
to the same privacy standards as the Bank.
For More Information
We understand you may have concerns or questions about our
Privacy Policy. We encourage you to call and have those
questions answered. Please direct your inquiries to the
Compliance Officer at 406-273-2400.
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